Letter of Transmittal

Date: 10th October, 2020

Controller of Examinations
National University,
Gazipur-1704

Subject: Submission of Internship Report on Loan & Advance of Jamuna Bank Limited

Dear Sir,
This is my great pleasure to submit the Internship report of my 2 months long Internship
program in the Jamuna Bank Limited The title of the report “Loan & Advance of Jamuna
Bank Limited” This report has been prepared to fulfill the requirement of my internship
program at Jamuna Bank Limited
I have put my best effort to make this report a successful one. It has been joyful &
enlightening experience for me to work in the organization & prepare this report. However
this has been obviously a great source of learning for me to conduct similar types of studies
in the future.
I would like to express my sincere gratitude to you for your kind guidance & suggestions in
preparing the report. It would my immense pleasure if you find this report useful &
informative to have an apparent perspective on the issue. I shall be happy to provide any
further explanation regarding this report if required & please do not hesitate to call me if you
have any query on this report or any other relevant matters.

Sincerely Yours,

_________________
Md. Marzan Ahsan
Roll No: 1403635
Reg. No: 13501004152
Session: 2013-2014
Program: BBA Major In Finance
Northern College Bangladesh
Under National University

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 Certificate of Supervisor

This is to approve that this internship report on “Loan & Advance of Jamuna Bank
Limited” has been prepared by Md. Marzan Ahsan, Reg. No: 13501004152, Roll No:
1403635, Major in Finance, Bachelor of Business Administration (BBA), Northern College
Bangladesh under my supervision.

I have monitored his activities & helped him to write the report from time to time. I think, he
has done a good job to prepare this report within the specified time frame.

I wish him every success.

…………………..

Mst. Najmoon Nahar

Senior Lecturer of Finance

BBA Department

Northern College Bangladesh

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 Acknowledgement

First of all I would like to acknowledgement "The Almighty" the supreme authority of the
universe. I express my sincere gratitude and thanks to my program supervisor Mst. Najmoon
Nahar, Senior Lecturer of Finance, BBA Department, Northern College Bangladesh for his
brilliant and excellent guidance and assistance to complete this report.

I am especially grateful to Mr. Bisaas Ataur Rahman Deputy General Manager & Diptikar
the Manager Mohammmadpur corporate Branch, Dhaka and help to do my internship. I also
like to give thanks to all other officers of the Branch for giving me suggestions and
facilitating my internship report.

Finally I am grateful to Department of Business Administration, Northern College

Bangladesh for providing me such an opportunity to conduct Internship program on “Loan
& Advance of Jamuna Bank Limited”

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 Executive Summary

Jamuna Bank Limited (JBL) is the second largest commercial bank in terms of net worth
with 908 branches and fully owned by Government of Bangladesh. The mission of the bank
is to actively participate in the socio-economic development of the nation by operating a
commercially sound banking organization.

First chapter I introduce the Background of the Study, Origin of the study, Rational of the
study, Scope of the Study, Methodology and Limitations of the Study

Chapter two I given the company overview About Jamuna Bank Ltd, Company Profile,
Objectives of The Bank, Mission and Vision, Slogan, Management Hierarchy of JBL

Chapter three I discuss of my analysis topic description. My analysis topic Loan & Advance
of Jamuna Bank Limited, Approaches to the Bank, Bank Guarantee, Limitation of Loan
Section, Analysis of loan disbursement, outstanding, classified and recovery scenario, Sector
Wise Loans and Advance, Geographical Area-Wise Loans and Advances, Performance of
Industry Sector: 2017, Evaluation of Investment Proposals, Recovery Procedure of
Investment, Principles of Sound Lending, Loan Provisioning, Following Steps Will Be Taken
Against A Defaulter, SWOT Analysis, Ratio Analysis.

Chapter four I given findings, recommendations and conclusions of my whole report.

At last I given the Appended part and bibliography of the topic.

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 Table of Contents

TITLE Page
Number
Chapter-01: Introduction 01

1.1 Background of the Study 02

1.2 Origin of the study: 02
1.3 Rational of the study: 03
1.4 Objectives: 03
1.5 Scope of the Study: 04
1.6 Methodology: 04
1.7 Limitations of the Study 05
Chapter-02: Overview of Organization JBL 06

2.1 About Jamuna Bank Ltd. : 07

2.2 Company Profile: 08
2.3 Objectives of The Bank: 09
2.4 Mission and Vision 09
2.5 Slogan: 09
2.6 Management Hierarchy of JBL: 10
Chapter-03: Analysis and Evaluations 11
3.1 Approaches to the Bank: 12
3.2 Bank Guarantee: 12
3.3 Limitation of Loan Section: 20
3.4 Loans and Advances Position of the Bank: 20
3.5 Classification of Loans and Provisions: 23
3.6 Classified Loan: 25
3.7 Evaluation of Investment Proposals: 26
3.8 Recovery Procedure of Investment: 28
3.9 Principles of Sound Lending: 29
3.10 Loan Provisioning: 30

3.11 Following Steps Will Be Taken Against A Defaulter: 32

3.12 SWOT Analysis: 32-33

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 Chapter: 04: Major Findings, Recommendations & Conclusion 34
4.1 Findings: 35
4.2 Recommendations: 36
4.3 Conclusion: 37
References: 38

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 Internship Report
on
Loan & Advance
- A study on Jamuna Bank Limited

Submitted To:
Controller of Examinations
National University,
Gazipur-1704

Supervised By:
Mst. Najmoon Nahar
Senior Lecturer of Finance
BBA Department
Northern College Bangladesh

Submitted By:
Md. Marzan Ahsan
Roll No: 1403635
Reg. No: 13501004152
Session: 2013-2014
Program: BBA Major In Finance
Northern College Bangladesh
Under National University

Date of Submission: 10th October, 2020

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